CHOOSE THE RIGHT OPTION FOR YOUR PET
Compare Pet Insurance Cover Plans
Choosing the right pet insurance can be overwhelming. With Pet Insurance Australia, you can compare our pet insurance plans to ensure you select coverage that suits you and your furry friend. Whether you have a dog or a cat, understanding the differences in coverage options, such as accident and illness, routine care, and annual limits, can help you make an informed decision. By comparing pet insurance plans, you can ensure your pet receives the care they deserve.
| COVER | PET ESSENTIALS | COMPREHENSIVE COVER | MAJOR MEDICAL COVER |
|---|---|---|---|
| ANNUAL BENEFIT LIMIT | $6,000 ($1,000 Annual Condition Limit) | $30,000 | $30,000 (and an additional $145 for Routine Care)* |
| Benefit percentage (Pets older than 8 weeks and younger than 8 years) | Up to 90% covered | Up to 80% covered | Up to 80% covered |
| Benefit percentage (Pets 8+ years) | Up to 65% covered | Up to 80% covered | Up to 80% covered |
| EXCESS Applies per Condition, per Policy Period and is deducted from the benefit payable to you. | $0 | $0, $100, $200 or $500 per annum for each unrelated condition | |
| COVERS SPECIFIED ACCIDENTAL INJURY |  | | |
| COVERS ILLNESSES | | | |
| CANCER TREATMENT |  | | |
| SKIN CONDITIONS E.G. ALLERGIES | | | |
| EAR /EYE CONDITIONS | | | |
| GASTROINTESTINAL PROBLEMS | | | |
| TICK PARALYSIS | $1,000 cover | $1,000 cover | $3,000 cover |
| CONSULTATIONS AND VISITS | | $300 cover | $500 cover |
| SPECIALIST CARE1 | | | |
| LABORATORY AND DIAGNOSTIC TESTS1 | | | |
| HOSPITALISATION1 | | | |
| RADIOLOGY1 | | | |
| PRESCRIPTION MEDICINE & DRUGS1 | | | |
| SURGERY1 | | | |
| CRUCIATE LIGAMENT CONDITIONS | | $4,000* cover | $5,000* cover |
| HEREDITARY AND CONGENITAL CONDITIONS | | | |
| ROUTINE CARE (non-insurance benefit) | | | |
| LIFETIME COVER | As long as we continue to provide this product and there are no gaps or breaks in cover and subject to the terms and conditions of the policy for each renewal period. | ||
| 21-DAY COOLING-OFF PERIOD | | | |
| EMERGENCY BOARDING for your pet at a licensed boarding facility if you are hospitalised for one or more days or require accommodation due to family violence up to a maximum of: | $500 cover | $1,000 cover | $1,200 cover |
| PRE-EXISTING CONDITIONS (More information about Pre-existing Conditions is available here) | | | |
| Some conditions are eligible for review after an 18-month period – this can be done on application or simply by submitting your claim. Refer to your PDS or our Pre-existing condition page for more information. | |||
| MULTIPET DISCOUNT: UP TO 15%~ | We offer an incremental 5% discount for each additional pet you insure after the first one up to a maximum discount of 15%. EXAMPLE: 2nd pet – 5% 3rd pet-10% 4 and more pets -15% |
||
| WAITING PERIOD | No waiting period for specified accidental injuries. 30 days for illness conditions | No waiting period for specified accidental injuries (other than a cruciate ligament condition) 6 months for cruciate ligament conditions# 30 days for illness conditions |
|
*you may be eligible for a higher limit; if so, this will be specified in your certificate of insurance.
*Separate limit for the non-insurance Routine Care item.
^These are defined policy terms with specific meanings. Please see the definitions section of the Product Disclosure Statement for more information.
#There is a 6-month waiting period for cruciate ligament claims under the Comprehensive and Major Medical plans. This waiting period may be waived at our discretion. For details on the waiver process, refer to the applicable Product Disclosure Statement.
1In relation to covered conditions
~Multi-Pet Terms & Conditions can be viewed here.
CHOOSE THE RIGHT OPTION FOR YOUR PET
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Frequently Asked Questions
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How to compare pet insurance plans?
To compare pet insurance plans, consider factors like coverage options, annual limits, premiums, and waiting periods. Look at the product disclosure statement (PDS) for details on what each plan covers. Compare pet insurance quotes from our different cover options to help you find the best fit for your needs. Whether you are looking to compare pet insurance plans for dogs, or compare pet insurance plans for cats, the key factors to consider is annual benefit limit, how they apply to your pet based on its age. Many pet insurance policies also include non-insurance benefits for customers, exploring all of your benefits is important.
It is also important to consider the general exclusions that apply, such as pre-existing conditions. -
What are the differences between levels of cover?
Comprehensive plans typically offer the most extensive coverage, including specified accidental injuries and illnesses, but may come with higher premiums. Evaluate your pet's lifestyle and potential risks to determine the most suitable level of cover. Always read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) to ensure the product is right for you and your needs.
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How do I get the best out of my pet insurance?
To get the best out of your pet insurance, regularly review your policy to ensure it still meets your needs. Keep track of vet bills and submit claims promptly. Understanding your policy's terms and conditions, including any exclusions or limits, will help you make the most of your coverage.
